Auto Insurance Quotes for a Scion tC in Baltimore

It’s shocking but a large majority of consumers kept their coverage with the same insurance company for at least four years, and virtually 40% of consumers have never compared rates with other companies. With the average premium in Maryland being $1,500, drivers could save approximately $750 a year, but they just assume it’s a time-consuming process to compare rate quotes.

The recommended way to get discount car insurance rates in Baltimore is to start comparing prices yearly from different companies who sell insurance in Maryland. You can compare prices by completing these steps.

Step 1: Read and learn about the coverage provided by your policy and the things you can change to keep rates in check. Many rating factors that result in higher rates such as traffic citations, accidents, and a negative credit score can be remedied by making lifestyle changes or driving safer. Read the full article for instructions to help reduce prices and get additional discounts that may be available.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide prices from multiple sources.

Step 3: Compare the new rate quotes to your existing coverage to see if cheaper tC coverage is available in Baltimore. If you can save some money, make sure coverage does not lapse between policies.

Step 4: Notify your current company of your intention to cancel the current policy. Submit the signed application along with the required initial payment to the new company. Once coverage is bound, place the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

The key aspect of shopping around is that you’ll want to compare identical coverages on every quote and and to get price estimates from all possible companies. This provides an accurate price comparison and a good representation of prices.

If you are insured now, you will most likely be able to cut your premiums using this information. Shopping for affordable policy in Baltimore is easy if you know what you’re doing. But Maryland car owners do need to know how the larger insurance companies sell insurance online and apply this information to your search.

How to compare Scion tC insurance quotes in Baltimore

When comparison shopping, more quotes will enable you to find a better price. Some smaller insurers do not give rate quotes online, so it’s necessary to compare price estimates from them, too.

The companies shown below offer quotes in Baltimore, MD. If multiple companies are listed, it’s a good idea that you click on several of them to get the best price comparison.

Data for Scion tC insurance

The coverage information shown next highlights different rate quotes for Scion tC models. Knowing how car insurance prices are established can help drivers make decisions on which insurance to purchase.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence insurance rates substantially.

Choosing deductibles

One frequently asked question is how high should the physical damage deductibles be. The premium rates below can help you visualize the cost difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can decrease or increase coverage rates considerably.

Based on the figures above, using a $250 deductible will cost you approximately $19 more each month or $228 a year than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at least 13 months between claims, you would probably be better off by going with a higher deductible.

The information below illustrates how your deductible choice and can increase or decrease Scion tC insurance costs for each different age category. The premiums are based on a single female driver, comp and collision included, and no discounts are factored in.

Yearly car insurance costs for men versus women

The information below compares Scion tC insurance costs for male and female drivers. The information is based on no claims or driving violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.

Cost difference between full coverage and liability

The diagram below illustrates the difference between Scion tC auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Maryland. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are factored in.

Are you wasting money on full coverage?

There isn’t a written rule to stop paying for full coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s assume your Scion tC book value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the deductible is paid. If you are paying in excess of $200 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Get cheap rates with discounts

Car insurance is easily one of your largest bills, but you might be missing out on some discounts that can dramatically reduce your bill. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be manually applied before they will apply.

• Onboard Data Collection – Policyholders that allow their company to scrutinize vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
• Low Mileage Discounts – Driving less could qualify for substantially lower car insurance rates.
• Accident Forgiveness – Not necessarily a discount, but companies like Progressive and Allstate will let one accident slide without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a Baltimore auto insurance quote.
• Discounts for Multiple Vehicles – Insuring several vehicles with one company could earn a price break for each car.
• Professional Organizations – Participating in a civic or occupational organization in Baltimore could earn you a nice discount on your policy.

Don’t be shocked that many deductions do not apply to the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will bring down the cost of your policy.

The illustration below illustrates the difference between Scion tC premium costs with and without discounts applied to the premium. The premiums are based on a female driver, no claims, a clean driving record, Maryland state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, homeowner, safe-driver, and multi-policy discounts applied.

If you would like to see a list of providers that offer the discounts shown above in Maryland, click here to view.

Why you need insurance

Even though it can be expensive, insurance serves several important purposes.

• Almost all states have compulsory liability insurance requirements which means state laws require specific limits of liability insurance coverage in order to get the vehicle licensed. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you took out a loan on your Scion tC, most banks will stipulate that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Scion at a much higher rate and force you to pay the higher premium.
• Insurance safeguards your Scion and your assets. Insurance will pay for medical bills that are the result of an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your Scion gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in Maryland overpays as much as $865 each year so compare rates once a year at a minimum to help ensure money is not being wasted.

Car insurance companies ranked

Choosing a highly-rated auto insurance provider can be a challenge considering how many different companies sell coverage in Maryland. The company information shown below can help you choose which auto insurers to look at comparing price quotes from.

There’s no such thing as the perfect auto insurance policy

When quoting and comparing a policy, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your auto insurance should be unique as well.
These are some specific questions might point out if your insurance needs would benefit from professional advice.

• Why is insurance for a teen driver so high in Baltimore?
• When would I need additional glass coverage?
• Which is better, split liability limits or combined limits?
• Do I need an umbrella policy?
• When would I need rental car insurance?
• What exactly is covered by my policy?
• Can I drive in Mexico and have coverage?
• When should I remove comp and collision on my Scion tC?
• What is medical payments coverage?
• What if an uninsured driver hits me?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Shop online but buy locally

Some people would rather buy from a licensed agent and that is a smart decision One of the great benefits of comparing rate quotes online is you may find cheap rate quotes and still have an agent to talk to.

After completing this form (opens in new window), your insurance coverage information is submitted to local insurance agents who want to provide quotes for your business. You don’t have to search for an agent due to the fact that quote results will go immediately to your email address. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to compare prices from one company in particular, you would need to visit that company’s website and submit a quote form there.

Choosing a company should include more criteria than just a cheap quote. Ask your prospective agent these questions:

• Do they review policy coverages at every renewal?
• Does the company have a solid financial rating?
• How are claims handled?
• Are they properly licensed to sell insurance in Maryland?
• Are there any extra charges for paying monthly?

Shown below are agents in Baltimore that can give you comparison quotes for Scion tC insurance in Baltimore.

• Kirby Insurance Agency, Inc.
  14 W Saratoga St #100 – Baltimore, MD 21201 – (410) 837-2320 – View Map
• Cyndi Kuhn – State Farm Insurance Agent
  6100 Eastern Ave – Baltimore, MD 21224 – (410) 633-5000 – View Map
• Eve Hamper – State Farm Insurance Agent
  1118 Light St A – Baltimore, MD 21230 – (410) 528-8900 – View Map
• Farmers Insurance – Charles Connolly
  6719 York Rd – Baltimore, MD 21212 – (443) 863-7733 – View Map

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